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    • yes sorry i was confused that you had managed to get anything out of the administrators. we've not seen that and was surprised by it read that way.   your credit file is clear Conexus Recovery and Field Services Ltd - can be totally ignored. DCA's view debtors as suckers, marks and mugs NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type and they are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..
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    • They are very nonsensical aren’t they? As far as I can tell they have no proof of ownership of debt whatsoever - it feels like they’re just hoping I cave in 🙈   I’ll get onto the CRA’s now - thank you 😊 
    • Thanks ...okay well as you are already aware you will get more sense out of your bin than talking to Arrow...so I would now escalate it by informing the Credit Reference agencies and submit a Notice of Correction ( each CRA has its own instruction's on how  to submit) and they will contact Arrow asking for details of the debt....if that fails you can contact the ICO (information Commissioner's Office) and raise a complaint re false data reporting.     See how you get on.
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Vanquis Credit Card Old Debt - moorcroft pestering by phone day and night


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Well I have been receiving various calls from these muppets from different numbers, some just silent or nothing left on my voicemail.

 

This is becoming a regular occurrence and now receiving calls late evening and early mornings so yesterday I sent a harassment letter asking them to remove all contacts from their records and stop calling me.

 

Anyway today I answered the phone and spoke to 'Cheryl' nice girl but she started to bleat on about credit cards etc in which I stopped her in her tracks and mentioned about their constant calling and that I had submitted a relevant complaint.

 

She took the liberty to then inform that they can call me up to 8 times a day - is this correct or should I now submit a further complaint regarding this conversation ?

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If you have submitted a complaint in writing then they are duty bound to remove all telephone contact numbers.

 

I would like to know where she gets the idea they can call you 8 times a day, shame you did not record that?

 

Saying that it is a little early for that harassmant letter to kick in and be acted upon

  • Confused 1
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If you have submitted a complaint in writing then they are duty bound to remove all telephone contact numbers.

 

I would like to know where she gets the idea they can call you 8 times a day, shame you did not record that?

 

Saying that it is a little early for that harassmant letter to kick in and be acted upon

 

Thanks obiter dictum.

 

Yeah a missed opportunity but I can always request details if need be but I have a calls log list with times and dates anyway. She did not know what to say when I questioned it and asked for evidence that allows the company to do this.

 

I know about letter but I did take the opportunity to mention that it was on its way and that a copy has also been passed to relevant bodies who might be interested.

 

Watch this space :wink:

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Incorrect, there is no defined limit, however over 3 times a week for calls relating to sales or collection is excessive IMHO.

Next time they ring, record it and play along.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Incorrect, there is no defined limit, however over 3 times a week for calls relating to sales or collection is excessive IMHO.

Next time they ring, record it and play along.

 

Thanks fkofilee.

 

Hopefully there will not be a next time after receipt of my letter and other parties involvement.

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  • 5 years later...

Opened April 2015.

 

Got behind on payments in Sept 2017.

 

Vanquis contacted me to arrange repayment plan. Then received demand from Moorcrofts.

 

Account returned to Vanquis Case Manager October 2017. 

Interest frozen but no monthly payment plan agreed as no further correspondence received.

 

I have had no statements since Sept 2017?

 

Last payment October 2017.

 

I have checked Experian today and states that Credit Card in Default January 2018?

 

I have never received any details confirming this and I am a bit concerned what to do? Will I suddenly get something from them threatening legal / Court action?

 

Do I contact Vanquis or hang fire ?

 

Any advice would be appreciated.

 

 

  

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OC 's don't do court

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ok dx yes you are right.

 

I am somewhat confused as to what is going on but details showing as default on Credit Report.

 

All communication including statements, e-mails, letters etc stopped around October 2017.

 

Do I just leave for now?

 

 

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as long as you've not moved since taking the card out then i expect they'll sell it on at some point

or could it be there is another issue like they should never had given you the card in the 1st place?

 

if your credit file was shot with defaults and you had lots of other debt there might be a case for an irresponsible lending claim?

 

tell us the story

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks again dx.

 

No I am still at the same address.

 

I used to get posted & emailed statements from Vanquis.

 

Also a letter from Moorcroft demandGing payment / plan.

 

Referred back to Vanquis as didn't want dealings with them.

 

Then they stopped? October 2017.

 

I recently checked my credit score and saw details on there. Intending to pay-off debt.

 

This and another 2 cards in which I have an arrangement with (all rather small amounts) appear on it.

 

Totally bemused dx

 

As per my old and new posts all correspondences have now ceased from all parties hence me raising issue again.

 

If defaulted in January 2018, surely I should have been notified?

 

 

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  • dx100uk changed the title to Vanquis Credit Card Old Debt - moorcroft pestering by phone day and night

Well send an sar then you have everything ready when they sell it to a dca

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks dx again as always.

 

I will send one to Vanquis as soon as possible.

 

Just intrigued as to what they will send.

 

Credit report states that default amount outstanding hasn't changed?

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why should it change?

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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